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CLOVER HEALTH INVESTMENTS CO (CLOV) Stock Fundamental Analysis

NASDAQ:CLOV - Nasdaq - US18914F1030 - Common Stock - Currency: USD

4.4  -0.09 (-2%)

After market: 4.3693 -0.03 (-0.7%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CLOV. CLOV was compared to 108 industry peers in the Health Care Providers & Services industry. The financial health of CLOV is average, but there are quite some concerns on its profitability. CLOV is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

CLOV had negative earnings in the past year.
In the past year CLOV has reported a negative cash flow from operations.
In the past 5 years CLOV always reported negative net income.
In the past 5 years CLOV always reported negative operating cash flow.
CLOV Yearly Net Income VS EBIT VS OCF VS FCFCLOV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 -200M -400M -600M

1.2 Ratios

The Return On Assets of CLOV (-13.99%) is worse than 74.77% of its industry peers.
CLOV's Return On Equity of -26.71% is on the low side compared to the rest of the industry. CLOV is outperformed by 64.49% of its industry peers.
Industry RankSector Rank
ROA -13.99%
ROE -26.71%
ROIC N/A
ROA(3y)-47.04%
ROA(5y)-28.38%
ROE(3y)-93.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CLOV Yearly ROA, ROE, ROICCLOV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 -20 -40 -60 -80 -100

1.3 Margins

CLOV does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CLOV Yearly Profit, Operating, Gross MarginsCLOV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 -10 -20 -30 -40

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6

2. Health

2.1 Basic Checks

CLOV does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CLOV has more shares outstanding
CLOV has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CLOV Yearly Shares OutstandingCLOV Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 100M 200M 300M 400M
CLOV Yearly Total Debt VS Total AssetsCLOV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 200M 400M 600M 800M

2.2 Solvency

CLOV has an Altman-Z score of 1.95. This is not the best score and indicates that CLOV is in the grey zone with still only limited risk for bankruptcy at the moment.
CLOV's Altman-Z score of 1.95 is in line compared to the rest of the industry. CLOV outperforms 48.60% of its industry peers.
There is no outstanding debt for CLOV. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 1.95
ROIC/WACCN/A
WACC9.06%
CLOV Yearly LT Debt VS Equity VS FCFCLOV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 200M -200M 400M 600M

2.3 Liquidity

A Current Ratio of 1.55 indicates that CLOV should not have too much problems paying its short term obligations.
CLOV has a Current ratio (1.55) which is comparable to the rest of the industry.
A Quick Ratio of 1.55 indicates that CLOV should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.55, CLOV is in line with its industry, outperforming 56.07% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.55
Quick Ratio 1.55
CLOV Yearly Current Assets VS Current LiabilitesCLOV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 200M 400M 600M

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2

3. Growth

3.1 Past

CLOV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 60.00%, which is quite impressive.
CLOV shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -36.24%.
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%77.78%
Revenue 1Y (TTM)-36.24%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-31.34%

3.2 Future

Based on estimates for the next years, CLOV will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.08% on average per year.
Based on estimates for the next years, CLOV will show a small growth in Revenue. The Revenue will grow by 4.59% on average per year.
EPS Next Y72.76%
EPS Next 2Y29.66%
EPS Next 3Y20.57%
EPS Next 5Y19.08%
Revenue Next Year-24.3%
Revenue Next 2Y-7.49%
Revenue Next 3Y-2.17%
Revenue Next 5Y4.59%

3.3 Evolution

CLOV Yearly Revenue VS EstimatesCLOV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1B 2B 3B 4B 5B
CLOV Yearly EPS VS EstimatesCLOV Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 0 -0.5 -1

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CLOV. In the last year negative earnings were reported.
Also next year CLOV is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CLOV Price Earnings VS Forward Price EarningsCLOV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CLOV Per share dataCLOV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

CLOV's earnings are expected to grow with 20.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.66%
EPS Next 3Y20.57%

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0

5. Dividend

5.1 Amount

No dividends for CLOV!.
Industry RankSector Rank
Dividend Yield N/A

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CLOVER HEALTH INVESTMENTS CO

NASDAQ:CLOV (2/21/2025, 8:10:01 PM)

After market: 4.3693 -0.03 (-0.7%)

4.4

-0.09 (-2%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Providers & Services
Earnings (Last)11-06 2024-11-06/amc
Earnings (Next)03-04 2025-03-04/amc
Inst Owners18.15%
Inst Owner Change11.15%
Ins Owners4.84%
Ins Owner Change8.91%
Market Cap2.20B
Analysts76.36
Price Target4.17 (-5.23%)
Short Float %3.88%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)85.56%
Min EPS beat(2)50.98%
Max EPS beat(2)120.14%
EPS beat(4)4
Avg EPS beat(4)54.6%
Min EPS beat(4)1.49%
Max EPS beat(4)120.14%
EPS beat(8)8
Avg EPS beat(8)43.11%
EPS beat(12)10
Avg EPS beat(12)33.39%
EPS beat(16)12
Avg EPS beat(16)3.93%
Revenue beat(2)1
Avg Revenue beat(2)-1.59%
Min Revenue beat(2)-6.29%
Max Revenue beat(2)3.1%
Revenue beat(4)3
Avg Revenue beat(4)1.71%
Min Revenue beat(4)-6.29%
Max Revenue beat(4)5.88%
Revenue beat(8)6
Avg Revenue beat(8)2.62%
Revenue beat(12)10
Avg Revenue beat(12)3.38%
Revenue beat(16)13
Avg Revenue beat(16)2.55%
PT rev (1m)-12.51%
PT rev (3m)49.41%
EPS NQ rev (1m)2.5%
EPS NQ rev (3m)2.5%
EPS NY rev (1m)-0.71%
EPS NY rev (3m)9.62%
Revenue NQ rev (1m)9.92%
Revenue NQ rev (3m)11.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)9.71%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.43
P/FCF N/A
P/OCF N/A
P/B 6.44
P/tB 6.5
EV/EBITDA N/A
EPS(TTM)-0.19
EYN/A
EPS(NY)-0.14
Fwd EYN/A
FCF(TTM)-0.22
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS3.08
BVpS0.68
TBVpS0.68
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -13.99%
ROE -26.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-47.04%
ROA(5y)-28.38%
ROE(3y)-93.07%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover2.37
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 60.44%
Cap/Sales 0.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.55
Quick Ratio 1.55
Altman-Z 1.95
F-Score6
WACC9.06%
ROIC/WACCN/A
Cap/Depr(3y)152.17%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.07%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)60%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%77.78%
EPS Next Y72.76%
EPS Next 2Y29.66%
EPS Next 3Y20.57%
EPS Next 5Y19.08%
Revenue 1Y (TTM)-36.24%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-31.34%
Revenue Next Year-24.3%
Revenue Next 2Y-7.49%
Revenue Next 3Y-2.17%
Revenue Next 5Y4.59%
EBIT growth 1Y70.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year126.52%
EBIT Next 3Y34.68%
EBIT Next 5YN/A
FCF growth 1Y-45.19%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.37%
OCF growth 3YN/A
OCF growth 5YN/A